What’s not covered with single trip travel insurance?
A standard single trip travel insurance policy will cover you for things like cancellations, luggage and personal possessions as well as emergency medical costs and treatment. But it’s important to bear in mind that a standard travel insurance policy doesn’t cover every eventuality.
Here’s some of the things that aren’t covered on a standard single trip travel insurance policy:
- Pre-existing medical conditions
- Travelling against FCDO advice
- Skiing or extreme sports
- Natural disasters and terrorism
Pre-existing medical conditions are conditions that you have when you take out your travel insurance policy. While pre-existing conditions like cancer, stroke or diabetes won’t be covered by a standard policy, you can apply to cover these under a medical travel insurance policy.
Skiing or extreme sports will not be covered under a standard travel insurance policy, but you can add cover for an extra cost.
Select winter sports cover under the extras when you get a quote to cover ski-related injuries or ski equipment. You can also take out adventure travel insurance to cover extreme sports like rock climbing.
Travelling against FCDO advice usually means you won’t be covered. An example is if the FCDO has advised it’s unsafe to travel to a certain country or region.
Natural disasters and terrorism may not be covered. But it’s best to check the policy wording or contact your insurer if you’re unsure.
What are the different types of travel insurance?
Family travel insurance
means you can get one policy that covers everyone, rather than buying individual policies.
Need more help?
Can I get single trip holiday insurance for staycations in the UK?
You can take out travel insurance for staycations in the UK. But certain conditions may apply to policies on UK trips, like where you’re going and how long you’re away for. If you’re going somewhere that is considered close to home, an insurer may not provide cover.
You should check your single trip travel insurance policy wording.
Do I still need a European Health Insurance Card (EHIC)?
You can still use your European Health Insurance Card (EHIC) as long as it hasn’t already expired. If you don’t have an EHIC, you can apply for its replacement, the Global Health Insurance Card (GHIC). The GHIC gives you state healthcare in most European countries at a reduced cost or sometimes for free.
Your EHIC or GHIC isn’t a replacement for travel insurance, but you should take it with you.
Does single trip travel Insurance cover COVID-19?
Many single trip travel insurance policies will pay out for claims caused by COVID-19, but not all.
When you get a quote with us we’ll show you which policies include COVID-19. We’ll also share the insurer’s COVID guidelines so you can check what’s covered before you buy.
What counts as single trip for travel insurance?
This can vary, depending on your individual policy and insurer – many single trip insurance policies can only provide cover for up to a month, though some might be able to cover you for up to three months. If in doubt, you should check the policy wording or contact the insurer directly before you buy.
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